Key Bank Mortgage Review

Key Bank offers consumers a wide assortment of mortgage programs including refinance, home equity loans, debt consolidation, and new home purchase loans. KeyCorp is headquartered in Cleveland, Ohio. Their history dates all the way back to the mid 1800s. They are one of the United States largest financial services companies with over 86 billion dollars in assets. Key Bank current has over 900 branches that span 12 different states. They are a publicly traded company on the New York Stock Exchange under the ticker symbol of KEY.

Key Bank Mortgage Options

Home Refinance Loans
Replace your existing loan with another lower interest rate loan for the same amount by refinancing. Many times this can save you a lot of money, especially when market interest rates drop one or more percentage points lower than your current rate. Take advantage of your homes equity - Get Cash-Out! With a cash-out refi, you refinance your mortgage for more than you currently owe, then pocket the difference.

Home Equity Loans
With a Home Equity Loan you can use your home as collateral to consolidate bills, make home improvements, buy a new car, plan a vacation, etc.

Debt Consolidation Loans
Use this loan to consolidate bills, lower monthly payments and get cash from your home's equity. If you're finding yourself juggling mortgage payments, credit card payments, car payments, insurance premiums, taxes, and another stack of bills, it's time to consider an Debt Consolidation Loan. If you have equity in your home, refinancing is the best way to consolidate your debts. Interest rates with refinancing are lower than any other consolidating options. One monthly payment and the interest paid is tax deductable.

Fixed Rate Mortgages
The most common type of mortgage program where your monthly payments for interest and principal never change. The most common fixed rate loans are 15 year and 30 year mortgages.

Adjustable Rate Mortgages (ARM)
Some of the benefits of an Adjustable Rate Mortgage are: Qualify for more home than you can at a fixed rate. Predict that your income will be higher over the next few years. Qualify for a higher mortgage and enjoy a lower initial interest rate and payment. Adjustment periods vary depending on which product you choose.
 
Loan Services
 

Key Bank Special Features

Home Improvement Loans
Build your dream kitchen, add on that long-awaited master bedroom suite, turn the basement into a family room. A Home Improvement Loan could let you do some, or all, of that. You can even use part of your loan to improve things other than your home. Some loans allow a portion of the loan to be used for purposes such as debt consolidation and college tuition.

VA Mortgage Loans
Eligible veterans can get long-term loans with little or no down payment, more flexible qualifying standards, and possibly, lower interest rates. These loans are made possible by the Department of Veterans Affairs.

FHA Mortgage Loans
FHA loans usually offer liberal qualifying criteria and require smaller down payments. Both fixed and adjustable loans are available. These loans are insured by the Federal Housing Administration and you must meet certain FHA guidelines.

Construction Mortgages
Whether you have made the decision to build a brand new home, renovate or add on to your existing home, this type of loan could be a possibility.

Key Bank Checking Account Options

  • Key Student Checkingｮ A free checking account that provides students convenience and cost-savings
  • Key Express Free Checking Designed for individuals who are looking for free checking with plenty of extras
  • Key Growth Solutions Ideal for individuals with growing family needs who are looking for ATM access benefits, free1 online banking and bill pay, card rebates, discounts on home equity and education lending and more
  • Key Advantageｮ A great financial package for those with a Key banking relationship of $10,0002 or more; offering premium rates on money market accounts and CDs, preferred pricing on home equity lending, installment loans and more
  • Key Privilegeｮ A perfect solution for individuals seeking to integrate their banking and investing - to get started, or if you have any questions, call 1-800-336-4750
Key Bank Savings Account Options:
  • Premier Money Market Savings Account Ideal for your short-term savings goals, this account offers easy access to your money and a competitive interest rate
  • MajorSaverｮ Money Market Account Ideal for savers who want to earn a competitive yield on a liquid account
  • KeyMoney Access Savingsｮ Perfect for individuals who seek a basic savings accounts and use ATMs for their transactions
  • DinoSaverｮ Account Great children's savings account that offers cool rewards
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Key Bank Mortgage Rates - Once you obtain their quote compare your offers and pick the best one. This allows you to have the advantage of having multiple lenders competing for your loan. Good Luck!

Disclaimer: We are not affiliated with Key Bank. This is a financial resource site that offers reviews of other financial companies sites and services. Our goal is to help empower the consumer so they can make the best, informed choices related to their financial decisions.